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Santander Car Insurance Review

Review Santander Car Insurance

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Santander Car Insurance Review

Review Santander Car Insurance

Santander is a multinational financial services company that is based in Spain. Santander is the largest Spanish bank as well as being the second largest bank in Europe. Santander also has a large international presence with operations in over 40 countries as well as over 190,000 employees. Santander’s car insurance is underwritten by a panel of providers and administered by BISL Limited.

What do people say about Santander car insurance?

Santander has received mixed reviews with many praising their services but also many levelling criticism also. Santander car insurance received a fairly low average rating on Smart Money People with an average of just over 2 stars.

Smart Money People Review Sample

Awful and unprofessional

Zero stars is still too many for this rip off company! Wanted to buy a car, apparently one to two days and the finance is through but not if you are a foreigner and doesn’t matter if you have a mortgage and a settled status as well as send in four utility bills and council tax, bank statements, your driving licence and your passport, it is still not enough proof that you live at the address you gave them! Just wow! Over a week in and they kept asking EVERY DAY for the same stuff over and over again! Then finally apparently all has gone through to just get the question to send in ALL THE STUFF THEY ALREADY HAVE AGAIN!? What is wrong with this bank!? I had my finance in place but no the car has to be with santander! Ridiculous!! My friend is also at the moment trying to get her mortgage through them UNFORTUNATELY and exactly the same problems, earning double than most people! What is your problem with foreigners? Don’t you think we earned our way to where we are? Do you think it feels great to always have to proof 150 percent more than anyone else? Ridiculous and absolutely not professional! Now with a hard search on my credit but no car and having it even harder to get another car I am more than fuming and will tell literally everyone (university is full of foreigners) to stay away from this bank! Read Less

Reviewed on: 27th December 2021


Great deal on my car insurance. Very affordable.

Reviewed on: 23rd November 2019

What car insurance does Santander offer?

  • Fully comprehensive: This is the most comprehensive level of cover and it will pay out for damage to your own car, as well as damage to other people’s cars and property. It will also cover you for personal injury claims.
  • Third party, fire and theft: This level of cover will pay out for damage to other people’s cars and property, as well as for personal injury claims. It will not cover you for damage to your own car.
  • Third party only: This is the lowest level of cover and it will only pay out for damage to other people’s cars and property. It will not cover you for personal injury claims or damage to your own car.

This is a fairly standard range of coverage options, however Santander’s panel also offers the standard add-on options you’d expect from a large car insurance provider such as breakdown coverage.

Who underwrites Santander car insurance?

The following insurers are currently listed as Santander’s panel providers.

  • viva Insurance Limited
  • Direct Line Insurance Group plc
  • Hastings Direct Limited
  • LV= General Insurance Limited
  • RSA Insurance Group plc
  • Saga Insurance plc
  • Towergate Insurance plc

The insurer you end up taking out you insurance with will depend on the factors which influence your premium calculations. Each insurer will offer a different price for your risk profile meaning that the cheapest option for you may not be the cheapest insurer for someone else.

Comparing car insurance quotes

If you’re thinking of taking out a Santander car insurance policy it helps to have other quotes to compare them against. When looking for the cheapest car insurance options for you, it’s important to remember that by comparing quotes from multiple insurers you will significantly increase your chances of finding the cheapest car insurance for you.

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*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.